One way to stick to your monthly budget is to use cash instead of your debit or credit card. This is one of several steps that author and radio host Dave Ramsey recommends to pay off debt. He’s authored five New York Times best-selling books: Financial Peace, More Than Enough, The Total Money Makeover, EntreLeadership,
The envelope system requires that you plan how each dollar will be used. When you go grocery shopping with cash, you will only speed money on what you absolutely need.
Thick and laminated envelopes with patterns are a fun way to keep your cash organized. Insert a budget sheet inside the envelope to keep track of your purchases.
These colorful magnetic budgeting envelopes come in a set of five. There is a single magnet that keeps your cash secure. There’s also a label area on each envelope.
Use A6 size translucent plastic pouches to keep cash and budget planning notes. These are also useful for keeping receipts. Customize them with vinyl words.
Use colorful jumbo paper clips to organize cash. You can add some flair to the paper clips with colorful ribbons, tassels, pom poms, buttons, beads, and more.
Use binder clips with labels to keep your cash organized in your current wallet. You can use the standard binder clips and label them with a sharpie.
You likely already have standard envelopes sitting around the house. These are a cheap option that you can easily replace as they get worn. Just make sure you label them so you don’t lose them.
You can use removable labels on laminated budget envelopes such as those designed by Budget Princess.
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